FIDUWA
ActiveFIDUWA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €9k. Equity is growing by ~49.3% per year across the filed fiscal years. Its solvency ranks better than 13% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency6▼-29
Growth78=
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.36 in 2024), and 90.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 12632 sector peers (2025).
NBB · sector comparisonPosition among 12632 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
31 d late
2022
31 d late
2021
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▼ 69.4%
2024 · €23k
2021: €1k
2022: €11k
2023: €18k
2024: €23k
2021 → 2025
Total assets
€76k▼ 3.1%
2024 · €78k
2021: €37k
2022: €45k
2023: €85k
2024: €78k
2021 → 2025
Net result
€9k▲ 80.1%
2024 · €5k
2021: €-364
2022: €11k
2023: €8k
2024: €5k
2021 → 2025
Working capital
€-34k▼ 87.3%
2024 · €-18k
2021: €-12k
2022: €-5k
2023: €-21k
2024: €-18k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€11k▲ 879%€18k▲ 62.3%€23k▲ 27.7%€7k▼ 69.4%
Operating result€934-€12k▲ 1,192%€6k▼ 52.1%€3k▼ 50.3%€10k▲ 258%
Net result€-364-€11k€8k▼ 26.5%€5k▼ 36.9%€9k▲ 80.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 258% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€60k▼ 12.5%
Current assets
€16k▲ 60.2%
Equity and liabilities €76k
Equity
€7k▼ 69.4%
Debt
€69k▲ 24.7%
The debt ratio rises from 70.5% to 90.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€20k▲
2024 · €13k
Cash flow
€19k▲
2024 · €15k
Solvency
9.3%▼
2024 · 29.5%
Current ratio
0.32▼
2024 · 0.36
Quick ratio
0.32▼
2024 · 0.36
Debt / equity
9.74▲
2024 · 2.39
ROE
127.7%▲
2024 · 21.7%
ROA
11.9%▲
2024 · 6.4%
Interest coverage
17.72▲
2024 · 9.25
Debt
€69k▲
2024 · €55k
Debt ≤ 1 year
€50k▲
2024 · €28k
Debt > 1 year
€18k▼
2024 · €27k
Income taxes
€4k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€78k€76k▼
Fixed assets21/28€68k€60k▼
Tangible fixed assets22/27€44k€35k▼
Furniture and vehicles24€44k€35k▼
Financial fixed assets28€24k€24k=
Current assets29/58€10k€16k▲
Amounts receivable within one year40/41€6k€10k▲
Trade receivables40€6k€10k▲
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€670€830▲
Equity and liabilities
Total equity and liabilities10/49€78k€76k▼
Equity10/15€23k€7k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€22k€6k▼
Amounts payable17/49€55k€69k▲
Amounts payable after more than one year17€27k€18k▼
Financial debts170/4€27k€18k▼
Amounts payable within one year42/48€28k€50k▲
Current portion of amounts payable after more than one year42€11k€8k▼
Trade debts44€194€5k▲
Suppliers440/4€194€5k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€9k€28k▲
Accrued charges and deferred income492/3€15€9▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▼
Other operating charges640/8€621€640▲
Non-recurring operating charges66A€126€746▲
Gross operating margin9900€13k€21k▲
Operating profit (loss)9901€3k€10k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€7k€13k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€5k€9k▲
Profit (loss) for the period to be appropriated9905€5k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€31k▲
Profit (loss) brought forward from the previous period14P€17k€22k▲
Profit to be distributed694/7-€25k
Return on contributions (dividend)694-€25k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Soignies · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chemin du Largepied 78C7060 SoigniesGround area
1,397 m²
Building footprint
76 m²
Parcel 55018D0861/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
FIDUWA
since 20212.318.229.526
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55018D0861/00T000 | Wallonia | 1,397 m² | 1 · 76 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,258 companies in sector 69209 we hold annual accounts for 1,090. 363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2021
Fiscal year end31-12
Activities, NACEBEL
69202Legal and accounting activities
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.